Terms of Service

Last Revised 2/14/2017

This Terms of Service (this "Agreement") is made by and between eMoney Advisor, LLC, a Delaware limited liability company ("eMoney"), and the consumer
customer ("Consumer") of a financial advisor or financial institution who is authorized to use eMoney's Wealth Management System (the
"Advisor"). This Agreement sets forth the general terms and conditions of Consumer's access to and use of eMoney's Wealth Management
System (the "Service"). Once Consumer accepts by clicking "I Accept" on the Consumer Site, Consumer agrees to all of the terms and conditions of this Agreement.

Consumer acknowledges that, as the Service changes, Consumer may be required to agree to
additional terms and conditions as a condition to continued use of the Service. Consumer further acknowledges
that eMoney may change the terms and conditions applicable to use of the Service, but eMoney will obtain
Consumer's agreement to such changed terms and conditions by presenting a revised Terms of Service to Consumer
for acceptance. If Consumer refuses to accept the revised Terms of Service, eMoney has the right to immediately
terminate Consumer's access to and use of the Service.

Privilege to Access and Use the Service

During the term of and subject to the terms and conditions of this Agreement, Consumer may access and use those aspects of the Service
intended for access and use by consumers (the "Consumer Site"). Consumer shall not (1) access or use any aspect of the Service other
than the Consumer Site; (2) access or use the Service for any purposes other than personal use; or (3) access or use the Service in any
unlawful manner or in violation of this Agreement.

Consumer understands, acknowledges and agrees that:

The Advisor has authorized Consumer to access and use the Consumer Site. The Advisor may at any time, in his, her or its sole discretion, terminate such authorization. Upon notification that the Advisor has terminated his, her or its authorization of Consumer's use of the Consumer Site, eMoney will immediately terminate Consumer's access and use of the Service without notice.

The Consumer Site is not a replacement for account statements provided by custodians of Consumer’s financial accounts. It is important to compare the information on the Consumer Site with the statements Consumer receives from the custodian(s) for the Consumer’s account(s).

eMoney retains the right to establish practices and/or limits in connection with the Services, including but not limited to establishing maximum disk space allotted to Consumer's information and files stored on eMoney's servers.

The Consumer Site is provided solely as a convenience to Consumer.

Neither eMoney nor the Consumer Site provides any advice regarding insurance or securities or any other financial planning or other financial advice.

As between Consumer and eMoney, Consumer is solely responsible for all financial decisions and financial planning made by Consumer and/or the Advisor, whether made in connection with use of the Service or otherwise.

eMoney is not a broker-dealer. Consumer access to brokerage accounts may be made available to the broker-dealer’s website. Any transactions Consumer initiates in such brokerage accounts are processed through the broker-dealer where the Consumer’s account is custodied, not eMoney.

eMoney is not responsible for and shall not be held liable for any advice given or recommendations made by the Advisor with respect to any financial, insurance, planning or other matter, regardless of whether Consumer relied on such advice or the Service.

eMoney does not guarantee or warrant that any part of the Service is free of viruses or other harmful code. Consumer must take appropriate precautions, such as use of an anti-virus software package, to protect his or her computer hardware and software.

Consumer is responsible for obtaining his or her own hardware, software and services (such as computers, web browsers and Internet access service) necessary to access and use the Service and for payment of all fees involved in obtaining such hardware, software and services.

Consumer shall be solely responsible for safeguarding his or her login credentials such as User Name and Password. Consumer
must immediately notify the Advisor if his or her login credentials are compromised. eMoney has no liability for any loss,
claim, or other damages that result from unreported, unauthorized use of Consumer's log on credentials.

Account Aggregation Service (referred to as "Connections")

The Service currently provides an account aggregation function that
allows Consumer to view, in a single location on the Consumer Site, consolidated
financial information from such accounts that Consumer maintains at various financial
institutions as Consumer may designate from time to time ("Outside Accounts").

To use the account aggregate function, Consumer understands and agrees that:

The function is not available for all types of accounts and/or for all financial institutions. As such, eMoney's only obligation is to make available to Consumer the ability to aggregate such types of accounts at such financial institutions as may then be available on the Service in eMoney's sole discretion.

Financial institutions change their web sites from time to time. As a result, an Outside Account that was available may cease to be available to the Service. eMoney has no control over this situation and has no obligation to restore the availability of the Outside Account on the Consumer Site.

Consumer is responsible for designating the Outside Accounts information which Consumer desires to aggregate.

For each available Outside Account that Consumer desires to aggregate on the Consumer Site, Consumer must provide eMoney's third party aggregation vendor with the necessary login credentials to access the Outside Account such as username and password. Consumer will provide this information through such function and process as eMoney may determine from time to time.

eMoney will access the web site maintained by each third-party financial institution for each Outside Account designated for aggregation in order to retrieve and store the account information within the Outside Account.

Consumer grants eMoney authority, with respect to each Outside Account designated for aggregation, to (1) use the login credentials for such Outside Account in order to access the account information within such Outside Account; (2) retrieve the account information within the Outside Account; and (3) store the Outside Account information so retrieved and display such information to Consumer and the Advisor via the Service and/or Consumer Site.

For each Outside Account designated for aggregation, Consumer represents and warrants to eMoney that (1) Consumer is the legal owner of the account; (2) Consumer has the right to disclose his or her login credentials for such Outside Account; and (3) Consumer has the right to grant eMoney the foregoing authorization.

eMoney is not responsible for any acts, errors, or omissions by the financial institutions at which Consumer maintains an Outside Account, or for the accuracy of the information provided by such institutions.

The Advisor may group Consumer’s with other Consumers at its sole discretion. Once Consumers are grouped, all Consumers in the grouping, the Advisor and any Alliance Partner as described below will have access to view all information available to Consumer through eMoney which may include, but is not limited to Consumer’s name, address, account numbers, all accounts viewable in eMoney, including account information for accounts provided by Advisor or by Consumer through the Account Aggregation Service and all files in the Consumer's Vault. By using eMoney, Consumer consents to such features The Consumer Site is not a replacement for account statements provided by custodians of Consumer’s financial accounts. It is important to compare the information on the Consumer Site with the statements Consumer receives from the custodian(s) for the Consumer’s account(s).

eMoney may terminate the account aggregation function at any time without notice to Consumer.

The Vault

The Service currently provides a service known as the Vault which allows
Consumer to store and retrieve files and other electronic files on the Consumer Site. To add a
file to the Vault, Consumer may either (a) upload them to a
private Vault folder to which the Consumer may have access, (b) upload
the files to a shared folder to which the Advisor has granted Consumer
access or (c) provide a copy of the file to the Advisor if that document
is to be added to a folder contained in the Vault other than the Consumer’s
private or shared folders to which the Consumer may have access. The Advisor
is responsible for uploading the file to the Vault and organizing Consumer's files in the Vault
into separate electronic "folders." Consumer understands and agrees that Consumer will
have "view only" access to materials in the Vault that the Advisor has added and that any
addition, deletion, modification or organization of such files in the Vault must
be processed through the Advisor.

Consumer understands and agrees that:

For each file stored or retrieved in the Vault, Consumer represents and warrants to eMoney that Consumer lawfully possesses such file and has the authority to upload or have the file uploaded, stored and made retrievable to and from the Vault.

Consumer is solely responsible for the use and content of any file that Consumer provides or retrieves for inclusion in the Vault, including files provided by third parties (including, without limitation, your broker-dealer, your broker-dealer’s service providers and your custodian) and such third parties do not assume any liability with respect to the content of such files when viewed in the Vault or for any other content provided on this site. Consumer agrees not to use the Vault to store any file or information that is unlawful, offensive, indecent, or otherwise actionable by any third party.

eMoney disclaims any ownership rights to or liability for the files (or the contents thereof) uploaded to the Vault by Consumer.

eMoney is not responsible for any use or dissemination of Consumer's files by any third parties to whom Consumer or the Advisor grants authorization to view his or her files.

The file storage function is provided to Consumer as a convenience and may be discontinued by eMoney at any time.

The files retained in the Vault should not be Consumer's sole copy of such files.

Consumer is responsible for retaining originals of the files he or she chooses to store in the Vault as eMoney does not guarantee the contents of the Vault will be available to the Consumer or that the Vault will always be offered as a service.

Alliance Partners

In addition to the user roles of Advisor and Consumer, the Service also provides a user role that allows other service providers to
Consumer, such as Consumer's banker, accountant or attorney (known as "Alliance Partners"), to access and view all of the information
stored by the Service in relation to Consumer. For example, the Alliance Partner role allows Consumer to direct the Advisor to permit
Consumer's family lawyer access to Consumer's information in the Service to assist with estate planning and other needs.

Consumer understands and agrees that:

Alliance Partner usage is arranged solely through the Advisor including the creation and assignment of the Alliance Partner's login credentials. Therefore, it is the responsibility of Consumer and the Advisor to determine whether and for how long to allow any Alliance Partner to access Consumer's information.

Unless and until the Advisor revokes the access privileges of an Alliance Partner, Consumer hereby consents to eMoney allowing such Alliance Partner to access and view any and all of Consumer's information stored in the Service.

eMoney shall not be liable for any act or omission on the part of the Advisor in relation to Alliance Partners or any act or omission of the Alliance Partner.

The Alliance Partner function is provided to Consumer as a convenience and may be terminated by eMoney at any time.

Other Terms and Conditions

Consumer may terminate use of the Service at any time by contacting the Advisor. Once
Consumer has terminated use of the Service, Consumer will have no further access to
the Services and all files retained in the file storage service will be deleted.

eMoney may modify or discontinue offering the Services at any time, with or without notice, for any reason or no reason.

The Service may provide links to web sites and include embedded videos that are not operated or hosted by eMoney. eMoney provides these
links and/or videos for Consumer's convenience and may be removed at any time. eMoney does not investigate the quality, accuracy or
completeness of any content on third party web sites. Consumer acknowledges and agrees that eMoney is not responsible or liable for any
content, advertising, products or other materials on or available from third party web sites or embedded videos. Consumer is responsible
for familiarizing his or herself with the content of such third party websites and/or embedded videos, including the applicable privacy
policies related thereto. For more information on eMoney’s privacy policies, please see the eMoney privacy statement.

THE SERVICE IS FURNISHED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED
REPRESENTATIONS OR WARRANTIES INCLUDING, WITHOUT LIMITATION, MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY OF ALL OR ANY PART OF THE
SERVICE, AND FREEDOM FROM ERRORS, VIRUSES, BUGS OR OTHER HARMFUL COMPONENTS.

EMONEY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY
OR PUNITIVE DAMAGES EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME.

IF THE FOREGOING DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY IS HELD TO BE
UNENFORCEABLE, CONSUMER AGREE THAT EMONEY'S LIABILITY TO CONSUMER, WHETHER IN TORT, CONTRACT
OR OTHERWISE, FOR ALL CAUSES SHALL NOT EXCEED IN THE AGGREGATE $500.

If any clause or provision set forth in this Agreement is determined to be illegal, invalid
or unenforceable under present or future law, then the clause or provision so determined to be
illegal, invalid or unenforceable shall be severable without affecting the enforceability of
all remaining clauses or provisions.

This Agreement and Consumer's access to and use of the Service shall be governed
by the laws of the United States of America and the Commonwealth of Pennsylvania applicable to
contracts entered into by residents of Pennsylvania and wholly performed in Pennsylvania. The state
courts with jurisdiction over Montgomery County, Pennsylvania shall have exclusive jurisdiction over
any and all claims, disputes or other controversies relating to or arising from this Agreement or
Consumer's access to or use of the Services. Consumer hereby expressly consents to the exercise of
jurisdiction over Consumer by such courts. To the fullest extent permitted by applicable law, each
party to this Agreement waives its or his right to a jury trial with respect to any action brought
under or in connection with this Agreement. The headings used in these terms of use are for convenience
only and such headings are not to be used in determining the meaning or interpretation of these terms of
use. This Agreement, together with any other terms, conditions and agreements that may be entered into by
Consumer and eMoney in connection with a specific product or service of eMoney, constitute the
entire agreement between Consumer and eMoney and supersedes any and all other agreements, representations
and understandings, whether written or oral. This Agreement may not be modified or amended by
Consumer without the prior written consent of eMoney.

We are an independent financial services firm helping individuals create retirement strategies to custom suit their needs and objectives.

Securities and investment advisory services can only be solicited in the states where a financial professional is licensed and registered to do business in. Please inquire as to which states the financial professional is licensed and registered in before engaging in a business relationship. Securities offered through Madison Avenue Securities, LLC (MAS), member of FINRA/SIPCA. Investment advisory services offered through Spectrum Advisors, Inc, a Registered Investment Advisor. MAS and Spectrum Advisors, Inc are not affiliated entities.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.